Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. *Terms and conditions apply. Please view your sample policy for complete coverage details. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
5

out of 5

POSTED: | BY: Linda Peters

Love Trupanion!

Trupanion is the one of the best investments I have made in assuring the health of my pet. Their staff is professional, courteous, knowledgeable, and highly skilled in customer relations. My medical bill reimbursements are always handled in a quick and efficient manner. You can call them 24/7 and always get a "real"person on the other end. I highly recommend Trupanion Pet Insurance!
5

out of 5

POSTED: | BY: jeff strang

outstanding pet insurance

Trupanion is outstanding pet insurance. I would recommend them to anyone with a pet. They are more responsive and faster pay than my own health insurance. They have been worth every penny I have spent on my dogs insurance. Keep us the GREAT work!
5

out of 5

POSTED: | BY: Colleen

Excellent Service!!!

Our 12 year old cat began having vomiting and bloody stools. Her appetite decreased and she was losing weight. Having Trupanion Insurance was so helpful during this time as we were able to get the diagnostic tests done that she needed. Much to our relief and happiness she has a treatable condition. She is taking one pill a day. She now looks great and is back to her sassy self.Thank you Trupanion for the easy to file process and prompt service. Your representatives are the best!!
5

out of 5

POSTED: | BY: Sylvie Clavel

The best of the best!

I have been with Trupanion for 16 years now and I can truly say they are unbeatable. Customer service is amazing. Representatives are caring, compassionate and efficient. Claims are processed swiftly and payment is made at the speed of light. Premiums are very reasonable and coverage is extensive. Bravo Trupanion and keep up the good work!
5

out of 5

POSTED: | BY: Mandy

Claims are quick, easy, and hassle-free

Our dog Bailey had some genetic leg issues manifest early in her life that resulted in multiple surgeries over the course of 9 months. Trupanion was great. The claims process was super easy and we received our reimbursement usually within a week. If there was going to be a delay (usually due to our vet), Trupanion would contact us and let us know what was going on, if there was something we could do, and when to expect reimbursement. They have been fantastic. When you are busy worrying about your dog it's great to not have to stress over the financials.

Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limits

Unlimited lifetime payouts on eligible conditions with no payout limits-ever.

Deductible

You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limits

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Waiting Period

Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! *Terms and conditions apply. Please view your sample policy for complete coverage details.  
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company  

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